California’s Favorite Bankruptcy Attorney

Life After Bankruptcy

There is life after bankruptcy. Unlike many bankruptcy attorneys, I provide practical support and coaching to help you navigate the process of repairing and building your credit. If you fully embrace your bankruptcy as the “fresh start” it is, you can position yourself to begin building real financial security, protecting yourself against future financial chaos, and living life without all the stress that comes from overwhelming debt.

You and I will work together to rebuild the credit score you deserve. Believe it or not, you’ll qualify for good to great interest rates within a year—saving you money on credit cards and loans—and can even qualify for a home mortgage within two years. Armed with the customized Credit Rehabilitation Plan I’ll create for you, we’ll launch a campaign to restore your credit score by:

Paying all your bills on time; this will take careful budgeting and tracking on your part.

Obtaining a secured credit card, then charging small amounts each month and repaying as agreed.

Signing a lease on a rental home, then paying your rent on time each month.

Reviewing your credit report annually to make sure there aren’t any errors.

Buying a home within two years after your bankruptcy, then paying your mortgage on time each month.

It’s a common myth that just because your bankruptcy appears on your credit report for up to 10 years, you won’t be able to buy a home for 10 years. Not true! In fact, it’s possible to qualify for a mortgage within two years after filing for bankruptcy. An FHA (Federal Housing Administration) loan, which is ideal for people coming out of bankruptcy, is often more flexible than a loan offered by traditional lenders.

With your overwhelming debt behind you, a solid budget guiding you, and the responsible use of credit helping you rebuild your credit score, life after bankruptcy can be extremely freeing and rewarding.